We didn't know that our car insurance doesn't act on our behalf after a car accident, and in fact they act in their own best interests. When we called them after a minor fender bender a few blocks from our house, they were very nice to us on the phone and we gave them all of the details of the car accident. Then they turned around and hired a lawyer for themselves and not for us. Then their lawyer, acting for our insurance co., used the information that we gave them to make it look like the accident was my husband's fault, and that he was lying when he said that his glasses fogged from his breath in the January freezing cold. They took advantage of us, and didn't act on our behalf even though we paid them for total car coverage every month. The accident was a minor fender bender, and the insurance company described it as a major accident because it costs over $5,000. We still don't know why it costs over $5,000, when our car and the other car had a small dent each. After an accident you realize you should just call your insurance and tell them that you were in an accident and that you need to contact a lawyer to protect your rights. Just like you see the police in movies tell the accused "you have the right to remain silent and that you have the right to an attorney". We learned from our mistake, and we hope that by sharing our story, it helps others from being taken advantage of.